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<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>dbphxln.info</title> <atom:link href="http://dbphxln.info/feed/" rel="self" type="application/rss+xml" /> <link>https://dbphxln.info</link> <description></description> <lastBuildDate>Sun, 05 Nov 2023 23:06:59 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>How to Keep Your Life Insurance Policy From Lapsing, an Expert’s Advice</title> <link>https://dbphxln.info/how-to-keep-your-life-insurance-policy-from-lapsing-an-experts-advice/</link> <comments>https://dbphxln.info/how-to-keep-your-life-insurance-policy-from-lapsing-an-experts-advice/#comments</comments> <pubDate>Sat, 13 May 2023 12:42:01 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[life insurance]]></category> <guid isPermaLink="false">http://dbphxln.info/?p=60</guid> <description><![CDATA[An all-too-common occurrence for life insurance policy holders is one in which someone purchased a life insurance policy several years ago, they have been paying premiums faithfully, and they unexpectedly receive a Lapse Notice. The Notice states, “… your premium … <a href="https://dbphxln.info/how-to-keep-your-life-insurance-policy-from-lapsing-an-experts-advice/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> An all-too-common occurrence for life insurance policy holders is one in which someone purchased a life insurance policy several years ago, they have been paying premiums faithfully, and they unexpectedly receive a Lapse Notice. The Notice states, “… your premium is not enough to cover the policy expenses, please submit (a lot more) money to keep your valuable coverage.”You’ll probably look to the insurer or agent for help. Here are some things you should consider to maintain your valuable coverage.Often the policy owner thinks of life insurance the same way they think of auto insurance. They receive a premium notice, they pay the premium amount stated on the notice, and they believe they have met their requirement to secure the coverage. What they don’t realize is that with life insurance plans, such as universal life, indexed life, whole life and variable life, the premium is not the same as the cost.Premium is what you pay to the insurance company. The policy fees are the cost of the coverage.With these policies as the insured gets older the life insurance policy costs more. This is where the trouble usually happens. At some point in time, and often unbeknownst to the policy owner, the policy expenses exceed the premium being paid. This triggers a feature in the policy which allows the insurer to take money from the policy’s cash value, without having to notify the policy owner, to make-up any shortage of policy expenses. As this event occurs every month, the life insurance policy will be depleted of its cash value and move towards a lapse.Before a life insurance policy lapse, the insurer is obligated to mail a lapse notice which allows the policy owner 31 days to pay enough premium to cover one month’s worth of expenses. The problem however, is that the expenses will typically have greatly exceeded the amount of premium the owner had been paying.It’s common for the new premium to be three or four, or even more, times as much as they had been paying. This can put the cost of coverage out of their financial reach. The increase in premiums may not be justified, and a life insurance expert should evaluate the policy to determine if you’re being over-charged.One thing you can do to make sure you aren’t caught off guard by increasing policy fees, and lose your valuable coverage, is to review your policy with an agent every year. In this meeting you should bring a recent Annual Statement for the policy and the agent should bring in-force illustrations. These are the tools that will best inform you of the policy’s expenses and where your premium amounts should be set for the year.If you’ve received a lapse notice for your life insurance policy, here are a few things you can do:1. Lower the death benefit to an affordable amount. The lower the death benefit the lower the premium will be.2. Ask the insurer for the cost to keep the policy in-force to an age less than maturity. In other words, a universal life insurance policy, as one example, will stay in-force until the insured’s age 100. Fees are set based on this age assumption — 100. If you tell the insurer you only want the policy to stay in-force to age 86 (for example), the premium required will be less.3. Ask the insurer if they offer a less expensive insurance product that you can exchange your policy for.4. Get the assistance of a qualified agent to help you understand and make decisions about your policy.5. Have a life insurance analyst review the policy, past payments and future payments to determine if you’re being over-charged for the coverage. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://dbphxln.info/how-to-keep-your-life-insurance-policy-from-lapsing-an-experts-advice/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Search Results</title> <link>https://dbphxln.info/search-results/</link> <comments>https://dbphxln.info/search-results/#comments</comments> <pubDate>Tue, 09 May 2023 22:05:35 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Anomalies Alternative Science]]></category> <guid isPermaLink="false">http://dbphxln.info/?p=58</guid> <description><![CDATA[#EANF#]]></description> <content:encoded><![CDATA[<p>#EANF#</p>]]></content:encoded> <wfw:commentRss>https://dbphxln.info/search-results/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Choosing the Best Options From Myriad Choices in Office Security Systems</title> <link>https://dbphxln.info/choosing-the-best-options-from-myriad-choices-in-office-security-systems/</link> <comments>https://dbphxln.info/choosing-the-best-options-from-myriad-choices-in-office-security-systems/#comments</comments> <pubDate>Fri, 05 May 2023 13:25:56 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[body systems]]></category> <category><![CDATA[chop suey system of down]]></category> <category><![CDATA[lonely day system of down]]></category> <category><![CDATA[operating systems]]></category> <category><![CDATA[organ system]]></category> <category><![CDATA[organ systems]]></category> <category><![CDATA[solar system]]></category> <category><![CDATA[system]]></category> <category><![CDATA[system of down]]></category> <category><![CDATA[system of down byob]]></category> <category><![CDATA[systems]]></category> <category><![CDATA[systems not goals]]></category> <category><![CDATA[systems thinking]]></category> <category><![CDATA[systems vs goals]]></category> <category><![CDATA[toxicity system of down]]></category> <category><![CDATA[writing systems]]></category> <guid isPermaLink="false">http://dbphxln.info/?p=56</guid> <description><![CDATA[Security is important across all walks of life, especially at business and office establishments. Although security guards can provide a certain degree of protection, they will never be able to watch over the entire premises. This is where CCTVs, alarm … <a href="https://dbphxln.info/choosing-the-best-options-from-myriad-choices-in-office-security-systems/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Security is important across all walks of life, especially at business and office establishments. Although security guards can provide a certain degree of protection, they will never be able to watch over the entire premises. This is where CCTVs, alarm systems and intercom systems come into play. The good news is that there are a lot of companies that offer office security solutions.CCTVsCCTVs are a great tool to monitor what is happening throughout the premises of your office space. You can prevent theft and prevent loss of valuables and data. They are a great way to protect property, assets as well as people. Research proves that simply having CCTV cameras installed is a great deterrent to fraudsters. Companies also have a way to monitor behavior of employees within the organization. Modern day CCTVs have added value since they can be remotely controlled and watched so that you can keep an eye on the office even if you are not in the vicinity. Some companies offer proactive IT systems that enable clients to remotely monitor through computers, tablets and smart phones.Experienced and well qualified CCTV installers can give you many options when it comes to remote controlling security systems.Door Entry and Intercom SystemsThere are some companies offering sophisticated door entry systems that can be used to prevent public accessing confidential and private spaces. By employing even a simple door entry system, you will be able to restrict entry into your office premises. You can choose from digital keypad entry systems, video door entry systems or something more sophisticated such as the biometric card entry system which offers the ultimate in access control.Door entry systems are being combined with internet systems to enable smarter security. This offers the ultimate experience in office security, especially in places where office space is shared between different establishments. Such sophisticated systems enable you to confirm the identity of the person near the entry point before exposing your office staff to any sort of risk.How to know what’s Right for Your CompanyIf you are not sure which system to have installed or what will work best in your case, you can always contact the security experts and CCTV installers from the company who will be glad to inspect your office premises and come up with a plan. These experts keep in mind several factors such as your security level requirements, the site environment and your budget while coming up with a customizable plan for you. They may suggest different types of alarm systems you can choose from. You can choose from alarm systems that alert you or directly alert the security company or police. You may think that high technology such as VOIP and sophisticated office security systems are expensive but you will be surprised to know that they are surprisingly affordable and well worth the money you invest in them.With crimes going high tech, intelligent security systems are the need of the hour. Companies offering office security systems understand this and are the best people to go to for all your business security system needs. </p>]]></content:encoded> <wfw:commentRss>https://dbphxln.info/choosing-the-best-options-from-myriad-choices-in-office-security-systems/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Fake References: A Dangerous Web Service For Job Seekers</title> <link>https://dbphxln.info/fake-references-a-dangerous-web-service-for-job-seekers/</link> <comments>https://dbphxln.info/fake-references-a-dangerous-web-service-for-job-seekers/#comments</comments> <pubDate>Fri, 05 May 2023 11:10:37 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[american education]]></category> <category><![CDATA[dp education]]></category> <category><![CDATA[education]]></category> <category><![CDATA[education american]]></category> <category><![CDATA[education reform]]></category> <category><![CDATA[education system]]></category> <category><![CDATA[educational]]></category> <category><![CDATA[educational video for kids]]></category> <category><![CDATA[educational videos for kids]]></category> <category><![CDATA[motion education]]></category> <category><![CDATA[public education]]></category> <category><![CDATA[samurai education]]></category> <category><![CDATA[sex education]]></category> <guid isPermaLink="false">http://dbphxln.info/?p=54</guid> <description><![CDATA[First and foremost, this is a warning to both job seekers and employers… It is in no way a recommendation that anyone use fraudulent references.Several websites have begun to offer phony reference services for job seekers. At first glance, this … <a href="https://dbphxln.info/fake-references-a-dangerous-web-service-for-job-seekers/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> First and foremost, this is a warning to both job seekers and employers… It is in no way a recommendation that anyone use fraudulent references.Several websites have begun to offer phony reference services for job seekers. At first glance, this may look like a good idea to overcome spotty work history. However, it is a risky move. Every employer has – or should have – a policy of immediate termination for lying on resumes and applications.One of these services, Career Excuse, encourages candidates to create their own work history, tailored to their desired field. For a fee and ongoing subscription, the website will provide references, work history verification and other fictitious documents to support the falsehoods in a candidate’s resume. Disturbingly enough, they even offer phony funeral excuses.However, these services do not guarantee that they will stand up to a rigorous background check. In fact, many of these services carry a disclaimer that they will assume that the information provided by the job seeker is true. This creates a reflective action back on the job seeker, thereby absolving the fake reference provider. In other words, they state that their information is only as good as the statements created by the candidates.To avoid this trap, a thorough HR department will confirm work histories, criminal checks and education verification through their own resources, not just the phone numbers provided by the candidates. And they have the legal right to do so.When a job seeker signs either an online or paper application, he is signing a legal document. It is not merely a formality, especially when employers include certifications like the one below to gain permission for the background check:”I, _____ (the candidate), hereby certify that the facts set forth in the above employment application are true and complete to the best of my knowledge. I authorize XYZ Company to verify their accuracy and to obtain reference information on my work performance. I hereby release XYZ Company from any and all liability of whatever kind and nature which, at any time, could result from obtaining and having an employment decision based on such information. I understand that, if employed, falsified statements of any kind or omissions of facts called for on this application shall be considered sufficient basis for dismissal.”This means that the candidate is granting the potential employer the right to conduct a thorough background check. Any discrepancies can cost the candidate the job offer or even employment if he has already been hired before the falsehood is discovered.In addition to checking references, the employer may require employment verification, education verification, criminal background checks and drug screening. A credit check may be run in some situations, specifically when the potential employee will have any contact with financial information or actual funds.Considering the severe penalties, it is not recommended that any candidate provide knowingly fraudulent materials or references to get a job. Eventually, the truth will catch up in brutal and legal ways.(c) 2011 Donna Shannon </p>]]></content:encoded> <wfw:commentRss>https://dbphxln.info/fake-references-a-dangerous-web-service-for-job-seekers/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Private Education Loans Should Be Carefully Compared Before Borrowing</title> <link>https://dbphxln.info/private-education-loans-should-be-carefully-compared-before-borrowing/</link> <comments>https://dbphxln.info/private-education-loans-should-be-carefully-compared-before-borrowing/#comments</comments> <pubDate>Thu, 04 May 2023 08:51:35 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[loans]]></category> <category><![CDATA[auto loans]]></category> <category><![CDATA[bank]]></category> <category><![CDATA[bank loan]]></category> <category><![CDATA[best loan app]]></category> <category><![CDATA[car loans]]></category> <category><![CDATA[home loan]]></category> <category><![CDATA[instant loan]]></category> <category><![CDATA[insyant loan]]></category> <category><![CDATA[loan]]></category> <category><![CDATA[loan app]]></category> <category><![CDATA[loan apps]]></category> <category><![CDATA[loan for iits]]></category> <category><![CDATA[loan scam]]></category> <category><![CDATA[loan shorts]]></category> <category><![CDATA[low interest loans]]></category> <category><![CDATA[personal loan]]></category> <guid isPermaLink="false">http://dbphxln.info/?p=52</guid> <description><![CDATA[For many families, borrowing is one of the key components of financing a college education. To that end, a family may utilize one of the many education loan options that are available, such as private education loan programs available from … <a href="https://dbphxln.info/private-education-loans-should-be-carefully-compared-before-borrowing/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> For many families, borrowing is one of the key components of financing a college education. To that end, a family may utilize one of the many education loan options that are available, such as private education loan programs available from lenders.When a family borrows an education loan, they essentially rely on future income sources to pay college costs, as they will be repaying the education loan back in the future. Since loans need to be paid back, the loan repayment will be an added responsibility in the future and one that needs to be taken very seriously. Loans are not free and actually can be very expensive. It is imperative that if you do borrow a private education loan that you be a smart borrower, as decisions that you make now will impact your life style and options in the future. Students should first maximize loan borrowing through the Federal Direct Stafford Loan Programs, if eligible, which have favorable terms, various repayment options, and typically are the lowest cost loans.Private education loans, also referred to as alternative loans, are credit based loans offered by lenders, including banks, credit unions, state agencies, and private companies. It is important to understand the role of credit in the private loan process, as private loans are not automatic financing options. Private loan programs use a borrower’s and co-borrower’s (if applicable) credit worthiness as a determinant when considering applicants for private loan eligibility. A borrower’s credit worthiness not only determines if they are approved for the loan, but has a bearing on the interest rate assigned to the loan. Ultimately, when talking about private loans, your credit rating is a very important contributing factor in the private loan review process.Although specific lender underwriting guidelines are proprietary information and unpublished to the consumer, it is known that the strength of the applicant’s credit is a large factor. With that said, it is a worthwhile exercise to review your personal credit standing regardless, as establishing and maintaining good credit is vital for many reasons. In general, credit is the basis of most consumer borrowing, thus being proactive with credit is a positive practice.Before borrowing a private education loan, you should carefully compare the terms, repayment details, and total cost of the loan, including interest rate and fees. Loan terms and repayment details vary greatly among lenders and between loan programs, so do be sure to compare loan details carefully and ask the lender many questions when reviewing loan programs. Important information to inquire about includes whether the rate is fixed or variable, if the loan incurs any fees, if there is a prepayment penalty, what the length of the repayment term is, and if there are any deferment or forbearance provisions available. Loan applicants will be provided with a disclosure notice with the financing details of the loan which provides a good opportunity for the borrower to review the minute details of the loan prior to committing. Just be sure to ask many questions and compare several loan programs before committing to a specific. Check out the website Financial Aid Sense for a complete guide on how to compare private loan programs. </p>]]></content:encoded> <wfw:commentRss>https://dbphxln.info/private-education-loans-should-be-carefully-compared-before-borrowing/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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